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《中华人民共和国商业银行法》、《中华人民共和国担保法》、《贷款通则》等法规相继地台后,对信用社降低贷款风险,提高经济效益在法律上给予了保障。但是,就信用社目前的信贷管理现状来看,贷款手续不合法,贷款到期后无法按期收回;有的不良贷款诉讼法院后败诉;信贷管理偏松,导致信贷资产质量低下,不良贷款前清后增等等现象仍然存在。因此,笔者就信用社贷款管理中的问题与法规形成的误区,加以矫正并提出对策。
The Law of the People’s Republic of China on Commercial Banks, the Law of Guarantee of the People’s Republic of China, the General Rules for Loans and other laws and regulations successively set the stage for the credit cooperatives to lower the loan risk and increase the economic benefits legally. However, the status quo of credit management in terms of current credit management shows that loan procedures are not lawful and can not be recovered on time after the loan expires. Some non-performing loans are unsuccessful after the court of litigation. Credit management is somewhat loose, resulting in poor quality of credit assets. After the increase and so on the phenomenon still exists. Therefore, the author of the credit cooperatives loan management problems and laws and regulations formed by the errors, to be corrected and put forward countermeasures.